P2P is a new interactive mode of Internet finance. Fund holders can lend money to demanders through P2P online lending platform, which plays the role of information supply and demand, supervision and overdue repayment. Generally speaking, there are three modes: the first mode is pure online mode, which is pure P2P. In this platform model, information matching is purely to help borrowers and borrowers better match funds, but the shortcomings are also obvious. This online mode does not participate in the guarantee; The second is the mode of creditor's rights transfer. The platform lends money first, and then the creditor's rights are transferred on the platform. Obviously, enterprises can improve the efficiency of financing, but it is easy to have a pool of funds, which can not make the funds fully effective; The third is the P2P model that provides principal and even uses interest guarantee. This model is the mainstream model of financial market, and the P2P model of principal guarantee is essentially the concept of indirect contact with funds.